{
  "id": "banking/qr-iban-barcode-requirement",
  "signature": "AI tells a Swiss freelancer to issue invoices with QR-IBAN without mentioning that the QR bill requires a specific barcode format (Swiss QR Code) for processing",
  "signature_zh": "AI告诉瑞士自由职业者使用QR-IBAN开具发票，而未提及QR账单需要特定条码格式（瑞士QR码）才能处理",
  "regex": "QR bill.*invalid format|QR-IBAN without Swiss QR Code|Invalid creditor reference for QR",
  "domain": "banking",
  "category": "protocol_error",
  "subcategory": null,
  "root_cause": "Swiss QR-IBANs (starting with '30' in the account number) mandate the use of the Swiss QR Code (ISO 20022) with a specific data structure (creditor reference, amount, etc.); invoices without the correct QR barcode are rejected by Swiss banks (SIX Interbank Clearing).",
  "root_cause_type": "generic",
  "root_cause_zh": "瑞士QR-IBAN（账号以'30'开头）强制要求使用瑞士QR码（ISO 20022），并带有特定数据结构（债权人参考号、金额等）；没有正确QR条码的发票会被瑞士银行（SIX Interbank Clearing）拒绝。",
  "versions": [
    {
      "version": "Swiss QR Code v2.2",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "SIX Interbank Clearing 2024",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "ISO 20022 Swiss Implementation 2023",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "Swiss banks only scan Swiss QR Codes (ISO 20022); other barcode formats are not recognized by the payment system.",
      "fail_rate": 1.0,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Swiss QR-IBANs are required for electronic invoicing; regular IBANs on QR bills are rejected by the system.",
      "fail_rate": 0.95,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "The Swiss QR Code requires specific fields (IBAN, amount, creditor reference) in a fixed order; malformed codes are invalid.",
      "fail_rate": 0.9,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Use the official Swiss QR Code generator library (https://github.com/swiss-qr-code/swiss-qr-code) to create invoices; example in Python: from swiss_qr_code import generate_qr; generate_qr(iban='CH4431999123000889012', amount=100.50, reference='RF18539007547034').",
      "success_rate": 0.9,
      "how": "Use the official Swiss QR Code generator library (https://github.com/swiss-qr-code/swiss-qr-code) to create invoices; example in Python: from swiss_qr_code import generate_qr; generate_qr(iban='CH4431999123000889012', amount=100.50, reference='RF18539007547034').",
      "condition": "",
      "sources": []
    },
    {
      "action": "Integrate with a Swiss e-billing platform like Twint or BillPay which automatically generates compliant QR codes.",
      "success_rate": 0.85,
      "how": "Integrate with a Swiss e-billing platform like Twint or BillPay which automatically generates compliant QR codes.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Verify the QR code using the SIX validation tool (https://www.six-group.com/en/qr-bill/validation.html) before sending invoices.",
      "success_rate": 0.8,
      "how": "Verify the QR code using the SIX validation tool (https://www.six-group.com/en/qr-bill/validation.html) before sending invoices.",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Use the official Swiss QR Code generator library (https://github.com/swiss-qr-code/swiss-qr-code) to create invoices; example in Python: from swiss_qr_code import generate_qr; generate_qr(iban='CH4431999123000889012', amount=100.50, reference='RF18539007547034').",
    "Integrate with a Swiss e-billing platform like Twint or BillPay which automatically generates compliant QR codes.",
    "Verify the QR code using the SIX validation tool (https://www.six-group.com/en/qr-bill/validation.html) before sending invoices."
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.six-group.com/en/products-services/banking-services/standardization/iso-20022.html",
  "official_doc_section": null,
  "error_code": "SIX_QR_CODE_REJECTION",
  "verification_tier": "ai_generated",
  "confidence": 0.83,
  "fix_success_rate": 0.8,
  "resolvable": "true",
  "first_seen": "2024-09-10",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}